How many income streams are you missing?

More revenue streams, zero core disruption. Tieto Banktech layers new services – from digital wallets to embedded credit and API products – onto your existing payment rails so you grow income without increasing structural risk.

This is how we fix it

Raising fees won't work

UK and Ireland banks face a profitability paradox. Transaction fee pressure from regulators and card schemes continues to mount, interchange costs exceed £150-200 million annually for major banks, while scheme fees have risen 25% since 2017. Core modernization offers a tempting solution, but at £800,000+ weekly for full replacement, the cost and disruption risk make wholesale system overhauls unrealistic for most institutions.

Yet the payment infrastructure banks already operate, whether cards, A2A rails, or emerging channels, processes billions in transactions annually. That existing infrastructure represents untapped revenue opportunity. Rather than accepting fee compression or attempting impossible core replacements, leading banks are discovering how to layer new revenue streams on top of what they already have: embedded services, API marketplaces, omnichannel experiences, and merchant solutions that generate income without touching legacy systems.

Reach out to get a demo today!

Get in touch!

UK banks are under pressure to modernise, defend margins, and grow revenue on existing rails. Our teams from Cards, Payments, Financial Crime Prevention and more will be on‑site and ready to discuss your challenges.

➡️ Reach out

Steele Prentis

Director of Sales - UK & Ireland

This is how we fix it

Banks face pressure to modernize payments, meet compliance demands, and capture new revenue. Our platform adapts to your business - retail, corporate, or both - without disruption. We build on your existing infrastructure rather than replace it. Enable real-time A2A and card payments, leverage what you've already created, and accelerate transformation with proven technology that integrates seamlessly with your current systems.

API Banking | Marketplace

Payments as a Service

Cards as a Service

Verification of Payee

Digital Wallets

Next-gen Virtual Accounts

One Credit Engine

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